Freemans buy now pay later christmas catalogues - no credit checks sometimes

Freemans.com is an easy credit catalogue which offers instant credit approvals decisions. This home shopping catalogue also offers a buy now pay later credit facilities where you get up to 12 months interest free shopping, you can also spread the cost of your shopping between 2 and 3 years at a competitive 39.9% APR representative.

If you need an injection of cash or need to buy/replace an item then this is a very convenient and smart way to get credit and it’s much cheaper than using expensive credit cards and payday loans.

What do Freemans Home Shopping Catalogue Offer?

Freemans offers everything a household needs apart from food! You can shop for everything in your home from the comfort of your living room using your online Freemans credit account. The range includes Women’s, men’s, children’s clothing. You also get lingerie, sports & leisure, electrical, and house & garden.

With most of your purchases you get free standard delivery and returns and you can browse through 1000 of brands and exclusive offers, you can also get thousands of items on next day delivery if you order before 7pm. Freemans also offer lots of Christmas themes to their shopping, you can check out the Christmas hampers, gifts for her, gifts for him, winter boots range, all new online exclusives and deals of the week.

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How Does the Freemans Buy Now Pay Later 12 Months Interest Free Credit Work?

To be eligible for shop now pay later you simply need to spend £100 or more online or over the phone. Once you’ve finished you shopping you can checkout and then simply click on pay with Freemans Flex Account. You will get an option where it says buy now pay in 12 months, all you have to do is check the box and you’ll be eligible for interest free 12 months deferred period.

To avoid paying any interest at all you can pay the entire balance a day before the BNPL period finishes. If you need more time to pay off your balance you can spread the cost of your shopping for another 2 to 3 years making the minimum payments. The Freemans Flex account has a very relaxed credit approval process, I don’t have the best credit in the world and I’m refused credit cards however I was approved straightaway.

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Example of How the BNPL 12 Months Interest Free Credit Works

Suppose you wanted to buy the Apple iPad mini Wi-Fi silver 16GB for £399. You can order the item today and have it delivered to your home address in mainland UK within 5 working days. If you pay a little extra you can have the item delivered the very next day as long as you place the order before 7pm. If you choose the Freemans shop now pay later facility you can buy it now and make your next payment in December 2014.

You can pay the entire balance off of £399 or you can spread the cost of your shopping even further between 2 and 3 years. Suppose you wanted to spread the cost of your shopping for three years all you have to do is pay £3.92 per week for 156 weeks using an APR representative of 34.9%, the total amount you’ll pay back with interest is £611.52. This definitely beats anything a credit card or payday loan can offer.

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Spreading the cost over 2 or 3 Years with the Freemans Flex Account

If you purchase an item that costs £120 or more you can spread the payments over a period of 2 years, the interest that you’ll pay is 34.9% APR variable. If you spend over £200 or more you can spread the cost of your shopping between 156 weeks (3 years) and pay an interest APR representative of 34.9%. If you urgently need to replace an appliance then it’s smart to use BNPL or spread the cost because you will get 12 months to figure out a way to find the money, you can then spread the payments for another 2 to 3 years which gives you ample breathing space.

Choosing Next Day Delivery

If you need the item urgently you can choose next day delivery if you order before 7pm. If the item is eligible for free delivery then all you have to pay is £4.50. This feature is really handy if you forget to buy someone a gift item and their birthday or anniversary is tomorrow! (we’ve all been there!).

Advantages of Buy Now Pay Later During Christmas

Christmas can be a mad period of time where you spend thousands of pounds without even realising it. Most people just pay for it using their credit card or payday loans and get themselves further into debt. The ideal method would be to save for Christmas which means you never have to put anything on credit.

If you’ve not saved then using BNPL can really help especially if you’re strapped for cash and need an injection. You could open a Freemans Flex account and put all your Christmas shopping on the credit account, you would get a 10% discount and have 12 months to pay the balance off without paying any interest at all.

If you’ve spend £1200 then you’ll have to save £100 per month to pay it off, alternatively what you could do is save £200 per month and then pay off the balance at the end of the 12 month interest free period and still have £1200 left over for Christmas 2014 which means you won’t need to get debt into debt anymore.

Shop now pay 12 months later interest free is one of the smartest ways people can shop, you can order everything online without having to endure the Christmas queues, you can manage your account online and make payments without having to go to the bank and you can return items for free if you don’t want them. Be smart, shop BNPL.